IA/Dickinson County/SPIRIT LAKE
SPIRIT LAKE, IA
CitySAFMR
Dickinson County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$850$850
1 BR$850$850
2 BR$1,120$1,120
3 BR$1,350$1,350
4 BR$1,480$1,480
5 BR$1,702
6 BR$1,957
7 BR$2,251
8 BR$2,589

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio· 51360
0.58ratio
FMR$850
Market$1,460
vs market-$610

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.58
1 BR
1 BR· 51360
0.59ratio
FMR$850
Market$1,430
vs market-$580

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.59
2 BR
2 BR· 51360
0.72ratio
FMR$1,120
Market$1,560
vs market-$440

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.72
3 BR
3 BR· 51360
0.79ratio
FMR$1,350
Market$1,700
vs market-$350

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.79
4 BR
4 BR· 51360
0.78ratio
FMR$1,480
Market$1,890
vs market-$410

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.78
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom sizes.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$104,515
Rent
$1,120
Down payment
$20,903
Loan
$83,612
Mortgage
$528
Expenses
$392
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for SPIRIT LAKE, IA (IA) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

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